ZIP 75446 Insurance Data

Data Snapshot: ZIP 75446 (Honey Grove, TX)

ZIP 75446 (Honey Grove, TX) shows an average homeowners insurance premium of $2,333 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 7 reported policies. That is 31% above the national average of $1,776 per year, placing this ZIP in the 85th percentile nationally. Compared to the Texas state average of $2,349, this ZIP runs 1% below, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 75446 is 197.5%, meaning insurers paid out more in claims than they collected — a signal that premiums may rise or carriers may exit. Claim frequency — the share of policies with at least one claim — is 28.45%, and the average claim severity (amount paid per claim) is $16,199.

Across 5 years (2018–2022), premiums in ZIP 75446 have fallen by 4.7%, ranging from $2,204 to $2,448 with a five-year average of $2,298 — an annualized rate of -1.2% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.